How it works

Our Working Process

Insurance policies may be difficult to understand since they include various legal terms and industry jargon that policyholders may not be familiar with. There are numerous types of insurance policies which may include additional endorsements. It is thus critical

We’ll review your insurance policy and we will help you understand both your rights and responsibilities as a property owner and insured. With the help of Public Adjusters Network LLc, you will avoid missing important deadlines in regards to your claim, making errors in forms, providing incomplete/incorrect documentation or answering insurance’s questions incorrectly which could all significantly reduce the amount of recovery for your loss! to understand what is and what is not covered by your specific policy, to know its possibilities and limitations, but also acknowledge which parts are open to interpretation and/or negotiation.

When reporting a loss, you are required by your insurance provider to do so as quickly as possible but call us first* to ensure your claim process is handled properly from the beginning! (*in case of theft, vandalism or fire, make sure to call the authorities ASAP).

So the damage happened. What to do?

Contact us via phone or e-mail to schedule ABSOLUTELY FREE, non-obliging claim consultation with property inspection and loss evaluation. Our experts will assess your damages and go over your policy coverage and limits with you. You will be informed if the damages are covered by your insurance, how much they are likely to be worth and if a claim should in fact be filed. If so, you can then agree to have Public Adjusters Network LLc represent your interests and communicate with the insurance company on your behalf. We’ll keep you updated on any new developments regarding your claim and be available to answer any of your questions during the process.

What do we do?

THIS IS HOW WE MAKE CLAIMS PROCESS EASY FOR YOU:

We are:

Analyzing your policy in high detail.
Collecting data – we investigate the property and assemble any/all data that might help during a claim process – we take pictures, measurements, collect any necessary documentation and estimate costs of the repairs to restore your property to its pre-loss condition. Typically, the more detailed and complete your claim, the higher the settlement.
Filing a claim – proper documents and forms are filed with your insurance provider and professional damage estimate is prepared by us then sent to the insurance adjuster assigned to your claim. Usually, a staff or independent insurance adjuster will visit your property to draft an estimate on your insurance provider’s behalf. We will meet with the Insurance company’s adjuster during this inspection to point out all of the damages they might otherwise overlook or ignore.
Negotiating – we do all of the negotiating with your best interest in mind. The two estimates – ours and the insurance company’s will most likely be different so at this time it’s our job to prove to them why our assessment is correct and why you deserve maximum payout as we have estimated.
Settlement – during this final phase of the process, your insurance company’s adjuster and your Public Adjuster (that’s us!) will agree on the loss recovery amount. Rarely, if the two parties cannot agree on the final settlement amount, the claim will move into an Appraisal phase (learn more about Appraisals here.

We’ll handle all communication with your insurance company during the entire claim process and keep you informed of any new developments. You can rest assured that we’ll do everything in our power to protect your interests and save you from unnecessary stress and worry associated with insurance claims!

Fees

We will never demand any upfront fees or charges! Claim consultation with property inspection and loss evaluation is FREE and our adjusting fee is collected from the final settlement = no charges until your funds are released by the insurance company. If we are unsuccessful in recovering claim money, then there is no cost to you.

Our adjusting fees range from 5 to 20% of the final settlement amount. Since no two claims are alike, we charge appropriate fee based on the amount of work required and complexity of your case. Our Public Adjusters will advise what fee would apply after our initial, free consultation so you’ll know exactly what to expect even before your claim is filed!